CALVES WHOLESALE CALCULATOR

"Hi, I'm calling about the property at 123 Investment Way. I noticed it's been on the market for 60 days. How's the response been? Are you getting much interest?"

[Listen to their response, then continue...]

"I understand. The market can be tough right now. I'm a real estate investor, and I might have a solution that could work better for your situation."

"Is your target buyer an investor or a retail buyer?"
(A: If they say Investor, explain how any investor will lose because of the rent not cash flowing.)
(B: If they say a retail buyer, discuss the obstacles to qualify based on medium income, etc.)

"What is the current monthly rent for this property, or what do you think the property could rent out for?" "$1,800 per month."

"This is going to be challenging for an investor. I'm going to have one month of vacancy. Are management companies still charging 10% of gross rent here? And I have to fix any issues caused by the tenants?"

"Okay, so I should probably consider $1,800 less 10% knowing these variables - right?"

"Okay got it, I really love this property, and I'd really love to give you guys the full asking price with non-refundable EMD. If I plug this into a mortgage calculator, it's costing me $2,792 per month and you guys are only bringing in $1,800 per month."

"What's more, I have to come up with $40,000 as a down payment just to qualify for this mortgage. So I'm spending $40,000 to lose $0 per month."

"Do you have a lender that could give me a 1-2% rate so that I can make your price work? I usually use DSCR loans for my investment properties. Unfortunately, because the rent is $1,800 and with all the other expenses, it looks like it's going to be $2,792 per month. Unfortunately, not only me or simply any investor just won't qualify. This could be why it's been on the market for 60 days. Not sure!"

"What is the current monthly rent for this property, or what do you think the property could rent out for?" "$1,800 per month."

"This is going to be challenging for a retail buyer. I believe the median income in this area is $5,200 and the income required to qualify to buy this property is I believe around $53,549 so this is going to be challenging to find a retail buyer. Not only that they will need to come up with 20% ($40,000)."

"So what's the solution? I see it's renovated, so a lowball offer won't work, but I'm scratching my head at how this one could be sold."

"If there's no solution to this other than lowballing your client, which we don't want to do, why don't we offer you $224,000 over market value but on a set of payments?"

"I hate this idea. I hate making payments. Why would your owner ever accept payments? What a TERRIBLE idea."

"Do you have another solution? It would be so convenient for me to go to the bank and get a loan, but I qualify for my loan based on cash flow, and there is none. Do you have a better solution?"

"Look, I understand this isn't ideal for anyone, but here's what I can do. You get your commission of $12,000 up front. My offer of $224,000, that's a difference of $24,000 with a $20,003 down payment and monthly payments of $720 for 5 years. We will even pay closing costs."

"Your client gets $224,000 more than the asking price; they get a substantial amount of cash now ($20,003), and monthly income they can count on. In fact, we will put a clause in the contract that says if we miss 2 consecutive payments, the seller will retain the property and get to keep all the money we have paid them thus far. So it's guaranteed monthly payments. Essentially, the seller becomes that bank, and who does not want to be that bank? Right!"

"Think about it, they don't have to worry about tenants, toilets, taxes, insurance, HOA fees, or anything else when it comes to operating a property."

"Is this something you'd be willing to present as an alternative to the typical lowball investor offers they might get otherwise?"

"If YES: Perfect, I will put this offer into an email and send it to you."

"Hi [REALTOR_NAME], this is [YOUR_NAME]. I was calling you about the 123 Investment Way property. I saw you guys were entertaining seller financing, which really caught my attention with these high interest rates right now. What kind of terms are you guys looking for?"

"I'm pretty much open to any terms that work for both parties. The main thing I'm looking for is positive cash flow - if the rental income is above my mortgage payment. So if my payment ends up being around $720 with taxes and insurance, but the rent is $1,800, that could work for me. I'm focused on cash flow for my [INVESTMENT_STRATEGY - e.g., 1031 exchange, portfolio building]."

"Is your client open to selling this with payments that might be less than market rent, as long as the other terms make sense for them?"

"What do you think this property would rent for? I'm seeing around $1,800 on [SOURCE - Zillow, Rentometer, etc.]. Does that sound about right to you?"

"Just so you know, I'm an investor rather than a retail buyer. I understand that means we might need different terms than what works for an owner-occupant. Is your client open to working with someone who has cash flow-oriented needs?"

"The way I think about it is I'm trading down payment flexibility for cash flow. With seller financing, I can potentially offer $20,003 down, but I need the monthly numbers to work. If the house rents for $1,800, I'm looking at payments around $720 to make the deal work for both of us."

"What are your thoughts on presenting something like this to your client? When would be a good time to put together a formal proposal?"

"Hi, this is [Your Name]. I'm calling about your listing at 123 Investment Way. I've been looking for a property exactly like this one for my investment portfolio, and I really need to close on something before year-end for tax purposes. Can you tell me a bit about the property's condition and rental history?"

"I love what I'm hearing about this property. Instead of going through the traditional financing route with all the uncertainties and delays, let me make you a strong offer that puts significantly more money in your client's pocket."

"I'll offer $224,000 - that's $24,000 ABOVE your asking price. Here's how it would work:"

"• $20,003 down payment at closing
• $720 monthly payments at 5% interest
• Payments are set at exactly 40% of the rental income for cash flow purposes
• Your commission of $12,000 is paid upfront. It will be deducted from the down payment"

"After 5 years, they'll receive a balloon payment of $163,197. At that point, I'll either sell the property, refinance with a bank, or we can renegotiate terms if needed. This gives them both immediate cash flow and a significant future payday."

"This is structured as an installment sale, which means your client gets significant tax advantages. Instead of paying capital gains all at once, they spread it over 5 years. Plus, they're earning 5% on their money - much better than most savings accounts or CDs."

"Your property has been on the market for 60 days now. This offer eliminates all the traditional buyer challenges - no loan approval process, no appraisal issues, no deal falling through at the last minute. We can close in 7-14 days instead of the typical 30-45 day process."

"Let me summarize what your client gets: $24,000 more than asking price, steady monthly income of $720, tax benefits from the installment sale structure, and a guaranteed closing without financing contingencies. This puts significantly more money in their pocket than any traditional sale. What questions can I answer to move this forward?"